My loan is too small for other lenders.
I was turned down because my property didn't pass inspection.
I didn’t qualify with another lender despite having a big down payment.
I want to finance my property and keep my cash for rehabbing.
I own a home but want some fast cash.
I want to buy multiple properties.
Loans for investors by investors
Simply put, we thrive on real estate. Together with our parent company, Econohomes, we’ve bought, sold, or financed over $250 million of homes nationwide. Unlike other lenders, we know what it is like to have skin in the game. We understand the unique needs of residential investors. Drawing on years of experience in the distressed property field, we crafted our loan products with four words in mind: fast, simple, flexible, and dependable.
We know real estate investing takes a certain amount of initiative, spirit, and risk-taking. It’s not for everyone. But we’re passionate about helping people just like you achieve their short-term and long-term investment goals. It’s the reason we started VFS four years ago. We now operate in 34 states and continue to grow. Your success is our success.
We don’t just provide loans. We underwrite the entrepreneurial spirit that drives our borrowers.
Meet the wizards behind the VFS curtain…
John spent most of his career in wholesale and retail lending at large banks like IndyMac before coming to Econohomes in 2010. He now leads our sales team at VFS. Unlike traditional banking, the company’s flexible loan products allow him to give a thumbs up to almost every deal. While proud of his consistent track record in building strong sales teams, he consider the ability to say yes to an anxious investor the best part of his job.
One of our favorite things about John is his enthusiasm for everything Texas. For him, the trifecta means Longhorns, Cowboys, and Texans. The man loves sports, a common affliction in the Lone Star State.
Born and raised in a small town outside Austin, John loves spending time by the lake and hopes to one day have his own 100-200 acre farm.
Pets: 2 small dogs, a Yorkie and a Chihuahua.
Dream Vacation: Already taken...Tahiti in 1999 and Italy during the millennium
Why he loves Austin: That most of its residents are transplants, making for a dynamic, constantly changing culture.
Israel handles loan sales for both our sister company’s inventory (Econohomes) and for third-party properties. The part of his job he enjoys most is talking everyday with VFS customers, an amazingly diverse group of folks from every part of the country and from all walks of life. He’s proud of contributing to the success of the VFS sales team, and is excited by the company’s growth.
A University of California, Berkeley grad, Israel spent most of his childhood in Nicaragua and tries to make trips back when he can. What is he most passionate about? His children and tennis. (In a previous life, he managed Tennis Operations at a large resort.)
He’s also a big San Francisco 49ers and Giants fan. We try not to hold that against him though.
Dream Vacation: Turks and Caicos. Enough said.
Why he loves Austin: the warm weather year-round and the bustling but easy-going charm of a college town
The newest member of the VFS team, Steve has close to a decade of experience in the mortgage banking business. As an account executive, he works hard to find the best loan solutions for his customers. He thrives in a team environment, and considers great co-workers and a family-oriented work culture the best part of his job at VFS.
Away from work, Steve enjoys watching his 7 year old son Nikolas play soccer. Steve also loves playing chess. He’s modest and calls himself a casual player, but we suspect he’s pretty awesome. Steve grew up in Orange County and is a fan of the Lakers and Angels. Despite not being a fan of a Texas team, we hired him anyway.
Pets: One dog—half Chihuahua, half Min Pin, 100% adorable
Dream Vacation: A big trip to Europe, covering multiple countries, with some backpacking thrown in.
Why he loves Austin: The down-home folks who seem less materialistic and more genuine than most.
Brandon came to VFS with, perhaps, the most unique background of anyone on the sales team. Before getting into mortgage loans in 2002, he spent a decade getting into fights and jumping out of cars…as a Hollywood stuntman. Yes, we’re pretty amazed, too.
At VFS, Brandon processes loans and cultivates relationships with investors. He loves that each day brings a new challenge. Professionally, he’s most proud of helping build a successful new sales division from the ground up.
Another Texas State University alumnus, he grew up in Houston and still considers himself a huge Texans fan. (He admits to also having a bit of a man crush on the Packers.) Outside of work, he loves spending time with his family, and has an addiction common to most Austinites— sports and fitness.
Pets: One spoiled, lovable black Labrador who considers herself the baby of the Tully family.
Dream Vacation: Four words—nice beach, blue water
Why he loves Austin: It’s a warm and laid-back city where everyone is ready with a friendly hello.
We lend to investors buying or refinancing single-family properties. We specialize in distressed properties and low-balance loans ($20k minimum; $100k maximum).
Unlike other lenders, we focus almost completely on qualifying the value of the home rather than the borrower, resulting in a fast, simple approval process remarkably free of hoop jumping. In other words:
We figure your mother’s maiden name is your business.
AL, AR, CO, CT, FL, GA, IA, IL, IN, KY, LA, MD, ME, MI, MO, MS, MT, NC, NH, NJ, NM, NY, OH, OK, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY
35% cash down
A: We offer investor financing with flexible loan amounts and a fast loan process. Qualifying is very simple. We ask for a cash down payment of 35%. We do not check credit or verify income. We have a 60-month term with monthly payments of principal and interest. Please ask your Visio Financial Services representative for current interest rates.
A: No, and we also won't report your loan to the credit agencies.
A: No, at least not directly. Our purchase financing is intended to allow you to reserve a portion of your funds to improve the property.
A: Right now, we only offer owner-occupier financing in Indiana. However, we hope to expand this service to other states in the near future.
A: Yes, you can refinance with us and receive cash back. Certain restrictions apply, so please ask your Visio Financial Services representative for more information.
A: Yes. Unlike traditional hard money lenders, we don't charge a pre-payment penalty at any time. If you're going to hold the property long-term, you can refinance when the property is in bank appraisable condition, or pay us off when you find a buyer for your “flip” project.
A: No. Most hard money lenders will charge what is called a “balloon payment,” which forces you to pay them off in full at a certain time. Our loans fully amortize over the term of the loan.
A: Yes, we allow the 3 points, and the $1,495 loan set up fee, to be “rolled” into the financing or paid by the seller.
A: Yes, the seller is allowed to pay up to 6% of your closing costs.
A: We have great relationships with insurance companies that specialize in insuring REO, vacant, foreclosed, and distressed homes. Ask your Visio Financial Services representative for a recommendation.
A: Complete a loan application and submit your executed purchase agreement. Upon receipt of both items, we'll collect the appraisal fee and order the appraisal. We’ll coordinate the closing with your title company or attorney. Your loan will be ready to go once we have confirmation of a clear title search and an appraisal verifying that the property value is equal or greater than the contract price.
Grow with us.
At VFS, we think of ourselves as people people. Building and nurturing relationships has been the foundation of our success. A big part of that success includes partnering with the right folks. That means you.
We cater to a market overlooked by traditional lenders: Investors who transform properties into affordable homes by applying a little rehab TLC. This growing segment of buyers typically has difficulty finding purchase financing that meets their specialized needs. That’s where we come in.
Whether you’re a realtor, property reseller, auction house, or lender, we’d love to work with you. We can help you:
Don’t lose a sale because your buyer lacked sub-$100k financing. We have flexible amounts, a fast and easy qualification process, and multiple-property loans. That means your investor clients can buy properties quicker, easier, and in greater quantities.
Most distressed property investors need financing in order to reserve their cash funds for rehabbing. It also helps maximize profit potential. Broaden your pool of buyers and sell more properties by introducing our loan products to your customers.
Your borrower may have failed to qualify, or you simply don’t offer investor financing under 100k. Normally that would translate to lost business. We can help. We have flexible loan amounts and a fast, easy qualification process. Your borrower could use VFS for bridge financing then transition to a long-term mortgage once the property is in bank-appraisable condition.
3 Easy Steps
We order an appraisal, upon receipt of payment from you
You sign on the dotted line, and we fund your loan!
We would love to hear from you.
877 360 8559
888 234 7893
Your request has been submitted to our team of experts. We'll contact you shortly to gather more information.
Your message has been submitted to our team of experts. We'll contact you shortly to gather more information.